Protect the whole
family, together
Joint or family life cover pays out a tax-free lump sum to help your family stay financially secure, whoever it happens to.
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Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Family Life Cover Works
Cover one or both parents
Choose a joint policy covering both partners, or two linked single policies.
Choose cover amount and term
Size your cover to your mortgage, debts, and your family's living costs.
Pass underwriting
Both partners answer health and lifestyle questions to confirm premiums.
Pays out on first death or diagnosis
A tax-free lump sum is paid to support the surviving family members.
Key features at a glance
Joint-life or two single policies
Choose the structure that best suits how you want cover to pay out.
Cover for both partners
Protect your household income and shared financial commitments.
Children's critical illness add-on
Add cover for your children's serious illness diagnosis to the same plan.
Guaranteed insurability options
Increase cover in future life events, like having another child, without new medical checks.
Frequently Asked Questions
Joint policy vs two single policies — what's better?
A joint policy is often cheaper but only pays out once (on the first death or serious illness). Two single policies cost more but both can pay out separately.
Does it cover both partners fully?
A joint life first-death policy pays out once, on the first claim. If you want full separate cover for both partners, two single life policies are usually better.
Can we add our children?
Yes, many family policies allow you to add children's critical illness cover as an optional extra at an additional cost.
What happens after the first claim on a joint policy?
A standard joint-life policy ends after the first payout, so the surviving partner is left without cover — worth discussing with your adviser.